Home Equity Loans

Your House Called. It Has Cash for You.

At Treadwell Credit Union, your home’s equity can help move you forward. A Fixed-Rate Home Equity Loan gives you a lump sum with predictable monthly payments and a steady rate—perfect for major projects, debt consolidation, or big milestones. Prefer flexibility? A Home Equity Line of Credit (HELOC) lets you borrow as needed, only paying interest on what you use—ideal for ongoing renovations or unexpected expenses. However you choose to tap into it, we’ll help you put your equity to work with confidence.

Four Great Ways to Use a HELOC

1. Debt Consolidation – If you have high rate debt with a variety of lenders (ie. credit cards), a HELOC provides an easy way to pay it off and reduce your interest!
    
2. Home Improvement – A HELOC provides easy access to cash so you can complete those home projects you’ve been dreaming of!
    
3. Emergencies – Face it. We all have unexpected expenses from time to time. A HELOC gives you easy access to cash in case you need it.
    
4. College Education – Oftentimes HELOC rates are lower than student loan rates so they make a great option for paying college tuition expenses.

Our HELOC Features:

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Important Additional Home Equity Line of Credit Information

Home Equity Lines of Credit are variable based on the Wall Street Prime Index and may adjust quarterly. Floor rate is 3.25%. Maximum APR is Prime plus 4%. Upon approved credit – based on credit qualifications. Applicable interest rate varies depending on your credit qualifications and loan to value ratio. Maximum Home Equity loan is $200,000. Consult your tax advisor for tax deductibility. Closing costs can range up to $399.

Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, Treadwell Credit Union and all Mortgage Loan Officers employed by Treadwell Credit Union are registered with the Nationwide Mortgage Licensing System Registry (NMLS Registry). A unique identifier (NMLS Number) has been assigned to the Credit Union and each Mortgage Loan Officer.

You are encouraged to use the NMLS Identification Number(s) to conduct additional research within the NMLS Consumer Access website. NMLS Consumer Access is a free service for consumers which provides licensing information for mortgage lending institutions and individual Mortgage Loan Officers. You may access this service by visiting the NMLS Consumer Access website at:
https://www.nmlsconsumeraccess.org.

NMLS #412460

*All applications are subject to credit review and approval. Annual Percentage Rates (APs) may change at any time. For example, a home equity loan for $30,000 with a 120-month term (10-year term) at 9.25%APR and LTV 80% or less will have a monthly payment of $384.25.